When Walker Transit Services, a mid-sized NEMT provider in Georgia, approached us, their biggest challenge wasn’t growth — it was insurance. Their traditional commercial auto policy didn’t cover essential parts of their operations, and the premiums kept rising. Within just 30 days of working with NEMT Expert, they:
- Cut their premium by 30%
- Gained full Medicaid-compliant coverage
- Secured professional and SAM liability protection
- Avoided a $45,000 denied claim on a previous policy
Here’s how we did it.
The Challenge: High Premiums & Hidden Gaps
Walker Transit had a 6-vehicle fleet, 10 drivers, and multiple Medicaid contracts. They were:
- Paying over $60,000/year in insurance
- Using a general commercial auto provider
- Missing SAM coverage and professional liability
- Unaware their policy didn’t meet their largest payer’s compliance standards
Their broker didn’t specialize in NEMT — and it showed.
The Review: Auditing Their Existing Coverage
The NEMT Expert team conducted a full policy audit and discovered:
- No coverage for driver-assisted transport incidents
- Non-compliant liability limits for their Medicaid contracts
- No protection against abuse/molestation claims
- A deductible structure that inflated total cost of ownership
We then compared quotes across 5 NEMT-specific carriers.
The Solution: Custom NEMT Package
We provided Walker Transit with a tailored policy that included:
✔️ General & Professional Liability
✔️ Workers’ Compensation
✔️ SAM Coverage
✔️ Equipment & Lift Protection
Total Annual Premium: $41,800
Savings: Over $18,000/year
Bonus: They were now eligible for a Medicaid contract they were previously denied due to non-compliance.
💬 What the Client Said
“We didn’t realize how underinsured we were. NEMT Expert not only saved us money, but protected us from the kind of risk that could shut us down overnight. The process was fast, clear, and gave us peace of mind.”
— Tonya Walker, Owner, Walker Transit Services
The Results (At a Glance)
| Metric | Before NEMT Expert | After NEMT Expert |
| Annual Premium | $60,000+ | $41,800 |
| SAM/Professional Coverage | ❌ Not Included | ✅ Fully Covered |
| Medicaid Compliance | ❌ At Risk | ✅ Fully Approved |
| Coverage Clarity | ⚠️ Low | ✅ High Confidence |
Key Takeaways for Other Providers
- Don’t assume your policy is compliant — verify it.
- Standard business auto insurance rarely covers NEMT-specific risks.
- SAM and professional liability are non-negotiable when transporting vulnerable passengers.
- Working with a specialized NEMT agency can unlock better rates and better protection.
Ready to Review Your Policy?
If your current coverage hasn’t been reviewed by a NEMT specialist, you could be overpaying — and underinsured.
✅ Let us audit your policy and provide a better quote.
👉 Request Your Free Policy Review
